Mr. Anthony Brennan:

No, I do not recognise the clause but if we were doing business like that, which we are not, and we were reinsuring it internationally, which would have to be done, the reinsurer would be very insistent of using their wording rather than ours in those sorts of circumstances because ultimately they take the risk. How reinsurance tends to work is that companies will take the risk up to a certain amount and will reinsure anything above that with these large global reinsurers. They would be quite insistent, I imagine, in an area like that that their wording would be passed on.